Here's the rundown: Sears CO account turned over to Universal Fidelity Corp. Sears shows up on my CR, UFC does not yet. Recieved first notice from UFC on 1/11/03 Sent validation letter (NON CMRRR) on 3/11/03 Recieved second letter from UFC on 3/18/03 Sent second validation letter CMRRR on 4/4/03 Recieved POOR Computerized statement of account on 4/7/03 Recieved greencard back on 4/7/03. I'm assuming our letters were crossed in the mail. But since I didn't send my first letter CMRRR, but they answered my validation letter with poor proof of validation, is the second letter a violation? I'm thinking not if they think they provided me proof, correct? My next step is to fire off another letter telling them that this isn't close to proving it is my debt. So then what. It's not on my CR yet so I don't have violations of them not reporting the TL in dispute. If they were to put it on my CR, with them providing me with what they call validation, do they have to mark it in dispute if they think they validated it? So what should I do?
If they were to put it on my CR, with them providing me with what they call validation, do they have to mark it in dispute if they think they validated it?
The CA can't add anything on to your credit report while you're asking for validation. Not that it matters now, but what was on the letter you initially sent them. What I mean is, did you specifically state the information you were looking for? Because if you weren't specific in what you wanted (defining what validation means to you), that's likely why they would give you just whatever they felt like. If however you were specific, and they ignored it (especially if this debt really isn't yours), then yeah, ignore their response and fire off the second letter saying they've failed to provide you with the information needed to confirm the account is indeed yours.
